CLIMA CONCEPT
ActiveThe computed 12-month bankruptcy probability of CLIMA CONCEPT is 1.7% (moderate). The 2025 annual accounts show equity of €349k and a net result of €264k. Equity is growing by ~26% per year across the filed fiscal years. Its solvency ranks better than 52% of 27711 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency74▼-26
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.92 against 4.69 in 2024; short-term debt: 50.6% and cash: 60.4% of total assets), but 51.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
48.9%
Return on assets
37%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
20 d late
2024
25 d late
2023
26 d late
2022
28 d late
2021
30 d late
2020
17 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€349k▼ 9.3%
2024 · €385k
2020: €110k
2021: €273k
2022: €404k
2023: €524k
2024: €385k
2020 → 2025
Total assets
€714k▲ 48.7%
2024 · €480k
2020: €232k
2021: €425k
2022: €588k
2023: €670k
2024: €480k
2020 → 2025
Net result
€264k▲ 12.0%
2024 · €236k
2020: €95k
2021: €213k
2022: €207k
2023: €194k
2024: €236k
2020 → 2025
Working capital
€331k▼ 6.2%
2024 · €353k
2020: €91k
2021: €220k
2022: €346k
2023: €469k
2024: €353k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€273k-€404k▲ 48.3%€524k▲ 29.5%€385k▼ 26.5%€349k▼ 9.3%
Operating result€252k-€234k▼ 7.2%€222k▼ 5.1%€280k▲ 26.3%€320k▲ 14.2%
Net result€213k-€207k▼ 2.8%€194k▼ 5.9%€236k▲ 21.4%€264k▲ 12.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 14% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €714k
Fixed assets
€22k▼ 32.2%
Current assets
€692k▲ 54.4%
Equity and liabilities €714k
Equity
€349k▼ 9.3%
Debt
€365k▲ 282%
The debt ratio rises from 19.9% to 51.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€333k▲
2024 · €292k
Cash flow
€277k▲
2024 · €248k
Solvency
48.9%▼
2024 · 80.1%
Current ratio
1.92▼
2024 · 4.69
Quick ratio
1.52▼
2024 · 3.12
Debt / equity
1.05▲
2024 · 0.25
ROE
75.8%▲
2024 · 61.4%
ROA
37.0%▼
2024 · 49.1%
Interest coverage
23.97▲
2024 · 19.06
Debt
€365k▲
2024 · €96k
Debt ≤ 1 year
€361k▲
2024 · €96k
Income taxes
€55k▲
2024 · €54k
Staff costs
€153▼
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€480k€714k▲
Fixed assets21/28€32k€22k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€32k€22k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€26k€17k▼
Current assets29/58€448k€692k▲
Stocks and contracts in progress3€150k€143k▼
Stocks30/36€150k€143k▼
Amounts receivable within one year40/41€59k€117k▲
Trade receivables40€47k€114k▲
Other amounts receivable41€12k€3k▼
Current investments50/53€100k-
Cash at bank and in hand54/58€137k€431k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€480k€714k▲
Equity10/15€385k€349k▼
Contributions10/11€15k€15k=
Reserves13€370k€334k▼
Distributable reserves133€370k€334k▼
Amounts payable17/49€96k€365k▲
Amounts payable within one year42/48€96k€361k▲
Trade debts44€18k€35k▲
Suppliers440/4€18k€35k▲
Taxes, remuneration and social security45€3k€26k▲
Taxes450/3€3k€26k▲
Other amounts payable47/48€74k€300k▲
Accrued charges and deferred income492/3€124€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€3k€153▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Other operating charges640/8€869€870▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€299k€334k▲
Operating profit (loss)9901€280k€320k▲
Financial income75/76B€25k€13k▼
Recurring financial income75€25k€13k▼
Non-recurring financial income76B€79€56▼
Financial charges65/66B€15k€14k▼
Recurring financial charges65€15k€14k▼
Profit (loss) for the period before taxes9903€290k€319k▲
Income taxes67/77€54k€55k▲
Profit (loss) for the period9904€236k€264k▲
Profit (loss) for the period to be appropriated9905€236k€264k▲
Appropriation of the result
Profit (loss) to be appropriated9906€236k€264k▲
Transfer from equity791/2€300k€200k▼
Transfer to equity691/2€161k€164k▲
To other reserves6921€161k€164k▲
Profit to be distributed694/7€375k€300k▼
Return on contributions (dividend)694€300k€200k▼
Directors or managers695€75k€100k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Highest result since 2020net €264k ▲12%
Operating result €320k, net result €264k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Equity above €500kEq €524k ▲29.5%
4 profitable years in a row build equity to €524k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Equity above €200kEq €273k ▲148%
2 profitable years in a row build equity to €273k.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Heusden-Zolder · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
O.L. Vrouwstraat 573550 Heusden-ZolderGround area
2,054 m²
Building footprint
160 m²
Volume, LiDAR
894 m³
Parcel 71065F0259/00K000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CLIMA CONCEPT
since 20202.302.479.496
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065F0259/00K000 | Flanders | 2,054 m² | 1 · 160 m² | 9.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,590 EUR awarded · 1,590 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,590 EUR | 1,590 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
5 categoriesCLIMA CONCEPT BV41578
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Of 22,826 companies in sector 43211 we hold annual accounts for 10,327. 7,292 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-05-2020
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.